| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | BLUE CROSS BLUE SHIELD OF FLORIDA | $90K | $0 | $90K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | HEALTH OPTIONS, INC. | $29K | $0 | $29K | 4.00% |
| JOHN SPOONER3 | 2600 LAKE LUCIEN DRIVE MAITLAND, FL 32754 | CAPITAL HEALTH PLAN | $15K | $0 | $15K | 3.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | HARTFORD LIFE AND ACCIDENT | $36K | $0 | $36K | 9.16% |
| BARRETT, LINER & BUSS, LLC3 Filed as: BARRETT LINER AND BUSS LLC | PO BOX 270 OCALA, FL 34478 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 0.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 6905 NORTH WICKHAM ROAD, SUITE 501 MELBOURNE, FL 32940 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 0.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 220 SOUTH RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | FLORIDA HEALTH CARE PLANS, INC. | $14K | $0 | $14K | 3.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $41 | $16K | 5.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 | PO BOX 2412 DAYTONA BEACH, FL 32115 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 2.16% |
| MJ INSURANCE3 Filed as: GLENN L. DAYTON AND VARIOUS AGENTS | 6900 ULMERTON ROAD, SUITE 211 LARGO, FL 33771 | AFLAC | $13K | $697 | $13K | 6.33% |
| WENDI SILVERS PL3 Filed as: WENDI G. SILVERS | 2240 DEERWOOD DRIVE NEW SMYRNA BEACH, FL 32168 | AFLAC | $7K | $1K | $8K | 3.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 220 SOUTH RIDGEWOOD AVENUE SUITE 500 DAYTONA BEACH, FL 32114 | AFLAC | $7K | $0 | $7K | 3.27% |
| ERIN L KIRKLAND3 Filed as: ERIN L. KIRKLAND | 1775 PINE PARK ROAD CAIRO, GA 39828 | AFLAC | $6K | $550 | $7K | 3.10% |
| SARAH E NUNZIATO3 Filed as: SARAH E. NUNZIATO | 98 GREEN FOREST DRIVE ORMOND BEACH, FL 32174 | AFLAC | $2K | $281 | $2K | 1.15% |
| MARIANNE F BOOTH3 Filed as: MARIANNE F. BOOTH | PO BOX 359 TRILBY, FL 33593 | AFLAC | $2K | $0 | $2K | 1.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 6905 NORTH WICKHAM ROAD, SUITE 501 MELBOURNE, FL 32940 | AFLAC | $62 | $0 | $62 | 0.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 2290 LUCIEN WAY, SUITE 400 MAITLAND, FL 32751 | HUMANA INSURANCE COMPANY | $4K | $0 | $4K | 9.99% |
| BARRETT, LINER & BUSS, LLC3 Filed as: BARRETT LINER AND BUSS LLC | 104 SE 1ST AVENUE, SUITE A OCALA, FL 34471 | HUMANA INSURANCE COMPANY | -$23 | $0 | -$23 | -0.07% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 517 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 266 | $4.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 793 | $325K |
| Vision | HUMANA INSURANCE COMPANY | 331 | $35K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 793 | $718K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 540 | $606K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 540 | $393K |
| Prescription drug(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 218 | $3.8M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 793 | $718K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 793 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.